{"id":787706,"date":"2025-02-14T06:16:37","date_gmt":"2025-02-14T02:16:37","guid":{"rendered":"https:\/\/arantv.az\/?p=787706"},"modified":"2025-02-14T06:16:37","modified_gmt":"2025-02-14T02:16:37","slug":"azpulmat-v%c9%99-manatoya-borcu-od%c9%99m%c9%99y%c9%99nl%c9%99ri-n%c9%99-gozl%c9%99yir-aciqlama","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=787706","title":{"rendered":"\u201cAzpulmat\u201d v\u0259 \u201cManato\u201dya borcu \u00f6d\u0259m\u0259y\u0259nl\u0259ri n\u0259 g\u00f6zl\u0259yir? &#8211; A\u00c7IQLAMA"},"content":{"rendered":"<p><strong>Son ill\u0259rd\u0259 Az\u0259rbaycanda bank olmayan kredit t\u0259\u015fkilatlar\u0131ndan (BOKT) istifad\u0259 ed\u0259n \u015f\u0259xsl\u0259rin say\u0131 art\u0131b. Bu c\u00fcr kreditl\u0259r daha s\u00fcr\u0259tli v\u0259 asan bir \u015f\u0259kild\u0259 al\u0131nmas\u0131 il\u0259 tan\u0131n\u0131r. \u201cAzpulmat\u201d, \u201cManato\u201d v\u0259 dig\u0259r bu tip t\u0259\u015fkilatlar v\u0259t\u0259nda\u015flara ki\u00e7ik m\u0259bl\u0259\u011fl\u0259rd\u0259 v\u0259 q\u0131sam\u00fcdd\u0259tli kreditl\u0259r t\u0259klif edir. \u00c7ox vaxt b\u0259zi \u015f\u0259xsl\u0259r borc \u00f6hd\u0259likl\u0259rini d\u00fczg\u00fcn yerin\u0259 yetirmirl\u0259r. Onlar kreditin qaytar\u0131lmas\u0131n\u0131 gecikdirir v\u0259 ya tamamil\u0259 \u00f6d\u0259m\u0259kd\u0259n imtina edirl\u0259r.<\/strong><\/p>\n<p><strong>B\u0259s BOKT-lara borcunu \u00f6d\u0259m\u0259y\u0259n \u015f\u0259xsi n\u0259 g\u00f6zl\u0259yir?<\/strong><\/p>\n<p>Bununla ba\u011fl\u0131 iqtisad\u00e7\u0131 ekspert Asif \u0130brahimov Metbuat.az-a a\u00e7\u0131qlamas\u0131nda bildirib ki, bank olmayan kredit t\u0259\u015fkilatlar\u0131, kredit ittifaqlar\u0131 il\u0259 banklar aras\u0131ndak\u0131 f\u0259rq \u0259sas\u0259n onlar\u0131n yarad\u0131lmas\u0131nda t\u0259l\u0259b olunan nizamnam\u0259 kapital\u0131n\u0131n minimum m\u0259bl\u0259\u011fi il\u0259 m\u00fc\u0259yy\u0259n edilir. Mahiyy\u0259t etibaril\u0259 onlar\u0131n i\u015fl\u0259m\u0259 mexanizml\u0259ri ox\u015far v\u0259 bir \u00e7ox hallarda eynidir:<\/p>\n<p>\u201cBanklar\u0131n nizamnam\u0259 kapital\u0131 m\u00f6vcud qanunvericiliy\u0259 uy\u011fun olaraq 50 000 000 manat olaraq m\u00fc\u0259yy\u0259n edilib. Bank olmayan kredit t\u0259\u015fkilatlar\u0131 (BOKT) kommersiya h\u00fcquqi \u015f\u0259xs olduqda 300 000 manat, qeyri-kommersiya h\u00fcquqi \u015f\u0259xs olduqda is\u0259 minimum 30 000 manat nizamnam\u0259 kapital\u0131na malik olmal\u0131d\u0131r. Kredit ittifaqlar\u0131nda is\u0259 bu m\u0259bl\u0259\u011f 4 000 manat t\u0259\u015fkil edir. Bu qurumlar\u0131n \u0259sas funksiyas\u0131 kredit verm\u0259kdir v\u0259 onlar\u0131n \u0259sas m\u00fc\u015ft\u0259ril\u0259ri orta statistik Az\u0259rbaycan v\u0259t\u0259nda\u015flar\u0131, sahibkarlar v\u0259 dig\u0259r sah\u0259l\u0259rd\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n \u015f\u0259xsl\u0259rdir. Banklar bank olmayan kredit t\u0259\u015fkilatlar\u0131 v\u0259 kredit ittifaqlar\u0131ndan f\u0259rqli olaraq, kredit riskl\u0259rini azaltmaq \u00fc\u00e7\u00fcn girov t\u0259l\u0259b ed\u0259 bilirl\u0259r\u201d.<\/p>\n<p><img loading=\"lazy\" src=\"https:\/\/cdn.musavat.com\/news\/thumbnails\/c197093ac578f6a77491fe9ab8e3f44f.jpg\" alt=\"e4ea4b2feb-whatsapp-image-2025-02-13-at-140654.jpg (114 KB)\" width=\"500\" height=\"541\" \/><\/p>\n<p><strong>Ekspert qeyd edib ki, \u201cAzpulmat\u201d v\u0259 \u201cManato\u201dda da elektron m\u00fcqavil\u0259l\u0259rd\u0259n geni\u015f istifad\u0259 olunur:<\/strong><\/p>\n<p>\u201cKredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs F\u0130N kodu vasit\u0259sil\u0259 elektron sistem\u0259 daxil olaraq kredit r\u0259smil\u0259\u015fdir\u0259 bil\u0259r. Borcun \u00f6d\u0259nilm\u0259m\u0259si hal\u0131nda is\u0259 BOKT-lar qanunvericiliy\u0259 uy\u011fun olaraq m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t ed\u0259 bilirl\u0259r. M\u0259hk\u0259m\u0259 t\u0259r\u0259find\u0259n borcun \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 q\u0259rarlar inzibati qaydada icra edilir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Son ill\u0259rd\u0259 Az\u0259rbaycanda bank olmayan kredit t\u0259\u015fkilatlar\u0131ndan (BOKT) istifad\u0259 ed\u0259n \u015f\u0259xsl\u0259rin say\u0131 art\u0131b. Bu c\u00fcr kreditl\u0259r daha s\u00fcr\u0259tli v\u0259 asan bir \u015f\u0259kild\u0259 al\u0131nmas\u0131 il\u0259 tan\u0131n\u0131r. \u201cAzpulmat\u201d, \u201cManato\u201d v\u0259 dig\u0259r bu tip t\u0259\u015fkilatlar v\u0259t\u0259nda\u015flara ki\u00e7ik m\u0259bl\u0259\u011fl\u0259rd\u0259 v\u0259 q\u0131sam\u00fcdd\u0259tli kreditl\u0259r t\u0259klif edir. \u00c7ox vaxt b\u0259zi \u015f\u0259xsl\u0259r borc \u00f6hd\u0259likl\u0259rini d\u00fczg\u00fcn yerin\u0259 yetirmirl\u0259r. Onlar kreditin qaytar\u0131lmas\u0131n\u0131 gecikdirir v\u0259 ya tamamil\u0259 \u00f6d\u0259m\u0259kd\u0259n imtina edirl\u0259r. B\u0259s BOKT-lara borcunu \u00f6d\u0259m\u0259y\u0259n \u015f\u0259xsi n\u0259 g\u00f6zl\u0259yir? Bununla ba\u011fl\u0131 iqtisad\u00e7\u0131 ekspert Asif \u0130brahimov Metbuat.az-a a\u00e7\u0131qlamas\u0131nda bildirib ki, bank olmayan kredit t\u0259\u015fkilatlar\u0131, kredit ittifaqlar\u0131 il\u0259 banklar aras\u0131ndak\u0131 f\u0259rq \u0259sas\u0259n onlar\u0131n yarad\u0131lmas\u0131nda t\u0259l\u0259b&hellip;<\/p>\n","protected":false},"author":2,"featured_media":787707,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937.jpg",734,439,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937.jpg",734,439,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937.jpg",734,439,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937-610x365.jpg",610,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937.jpg",640,383,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937.jpg",734,439,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937.jpg",734,439,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/819ff3c95c5f1fb82c2003b007715937.jpg",734,439,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Son ill\u0259rd\u0259 Az\u0259rbaycanda bank olmayan kredit t\u0259\u015fkilatlar\u0131ndan (BOKT) istifad\u0259 ed\u0259n \u015f\u0259xsl\u0259rin say\u0131 art\u0131b. Bu c\u00fcr kreditl\u0259r daha s\u00fcr\u0259tli v\u0259 asan bir \u015f\u0259kild\u0259 al\u0131nmas\u0131 il\u0259 tan\u0131n\u0131r. \u201cAzpulmat\u201d, \u201cManato\u201d v\u0259 dig\u0259r bu tip t\u0259\u015fkilatlar v\u0259t\u0259nda\u015flara ki\u00e7ik m\u0259bl\u0259\u011fl\u0259rd\u0259 v\u0259 q\u0131sam\u00fcdd\u0259tli kreditl\u0259r t\u0259klif edir. \u00c7ox vaxt b\u0259zi \u015f\u0259xsl\u0259r borc \u00f6hd\u0259likl\u0259rini d\u00fczg\u00fcn yerin\u0259 yetirmirl\u0259r. Onlar kreditin qaytar\u0131lmas\u0131n\u0131 gecikdirir v\u0259 ya&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/787706"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=787706"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/787706\/revisions"}],"predecessor-version":[{"id":787708,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/787706\/revisions\/787708"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/787707"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=787706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=787706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=787706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}